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Monsoon Season In Las Vegas Lead To Home Owner Damage: Do You Have A Record Of What You Own?

The Las Vegas monsoon season is here. These monsoons cause flooding and other damage to your home like roof leaks and power surges. These things can cause damage to your major appliances, furniture and even clothing.   There is an easy way to make your insurance claim experience easy and quick. Take 20 minutes once or twice a year to take pictures of everything you own. When you purchase large items, snap a photo and keep all of these photos in ...

Lowering Your Blood Pressure May Lower Your Insurance Rates

Your health insurance is often based on thing like blood pressure, cholesteral and glucose levels. The following natural supplements are known to lower the levels of all of these.      BEETROOT JUICE Beetroot juice is one of the richest dietary sources of antioxidants and naturally occurring nitrates. Nitrates are compounds which improve blood flow throughout the body – including the brain, heart, and muscles. These natural nitrates increase a molecule in the blood vessels called nitric oxide, which helps open up the vessels ...

Commercial Auto Rates continue to Increase in 2019 In Las Vegas, Nevada

COMMERCIAL AUTO RATES LIKELY TO CONTINUE TO INCREASE IN 2019   The 2018 Q3 report from The Council of Insurance Agents & Brokers (CIAB) notes that commercial auto insurance premiums continue to increase in Nevada as well as the rest of the country.  Commercial auto policies are unlikely to lead to an underwriting profit and often take several years (if ever) to become profitable. Additionally, in the past ten years, two major carriers have left the market, reducing the competitive landscape for these policies. ...

About One Third Of Stoke Victims Are Under 65 #stroke

Hollywood icon, Luke Perry, died this week at the age of 52 from a massive stroke. One third of all people hospitalized for a stroke are under the age of 65.  In the United States, someone dies of a stroke every 4 minutes! These are some pretty scary facts. Can we safe guard ourselves or are we just ticking time bombs? We know the 5 leading causes of a stroke are high boold pressure, high cholesterol, smoking, obesity and diabetes so yes....we CAN safeguard ourselves. Controlling ...

Excess Liability Coverage For Your Las Vegas Business

The potential bankruptcy of one of California's largest utility companies, Pacific Gas & Electric, could have been prevented with higher General Liability limits and Excess Liability coverage.  A lawsuit suggesting that the utility company is responsible for the recent wildfires in California that killed 86 and displaced 50,000 people from their homes, illustrates why most companies need to reevaluate their current insurance coverage limits to protect their financial interests.  The standard for the past 20 years has seen General Liability policies cover $1 million for each occurrence, $2 ...

#Autoinsurancetrackingdevicetolowerpremiums

  You’ve probably heard that insurance companies are offering trackers to either lower your policy costs, or offer a discount for good behavior. This might indeed present a series of benefits, but there are some cons to consider before accepting an auto insurance tracking device in your car. Weigh the pros and cons before getting an auto insurance tracking device. It could mean a good amount of savings plus an added security feature for you and your family; or it could mean more ...

Las Vegas Drivers Beware This Halloween

Be aware that kids will be outdoors trick or treating, especially in residential neighborhoods. Drive slowly and be prepared to stop when children are present. Watch for kids darting out into the road from between parked cars. Be very cautious turning into driveways and backing out, especially where hedges and bushes may block your vision; watch for kids on the sidewalk. Watch for pets that may be running loose. They may be frightened by the noise and costumes. Know that dark costumes may present visual ...

Employee Manuals Can Protect Your Business

  Experts say that small and mid-sized businesses can craft employee manuals that both protect them from litigation and put staff members at ease by spelling out in positive terms the company's policies.   It can serve as a playbook and spell out the rules of the game for employees about what is expected of them and what they can expect from the company.   This includes how pay decisions are arrived at, how they are rated on their performance, how the company treats things ...

Back To School Stress

Sending your kids back to school these days can be extremely stressful and worrisome. Whether they are in elementary school, high school or college, there are various situations that can cause a parent and a child to be worried whether they are in the Clark County School district or private school.  Between bullying, gun violence,social pressures, choosing a college, getting good grades, etc., the best way to deal with this stress is to be prepared ahead of time by having a game ...

Monsoon Saftey

Southern Nevada’s 2018 monsoon season may to be wetter than normal, prompting warnings for residents to be ready for potentiallydeadly flash flooding. A new long-term forecast this week said there is up to a 40 percent chance that the seasonal rain and thunderstorms in the Southwest will be heavier than normal this year. NO ONE THINKS IT WILL HAPPEN TO THEM BUT IT ONLY TAKES SECONDS TO BE CAUGHT IN THE FLOOD WATERS. Please listen to the following suggestions, it could save your life.  Never ...

Why Do You Need A Personal Umbrella Policy?

  Umbrella insurance gives you added liability coverage for lawsuits, and claims that rise against you. It is an inexpensive way to protect your financial future or established assets.  Depending on how much umbrella liability coverage you decide to purchase, it could cost as little as $100 a year for 1 million dollars of coverage. Your umbrella coverage kicks in when your liability coverage is not enough. It protects you from possible legal costs for damage to other people’s property or injury. Lawsuits are everywhere ...

Five Renovations That May AffectYour Homeowner's Insurance

Many house improvements that boost your home’s value could render your  home insurance coverage inadequate and leave you vulnerable to losses. Other upgrades may trigger lower premiums — savings you don’t want to miss simply because you didn’t call your insurer.   NEW ROOF This improvement may SAVE you 10-20% on your rates. It is possibly the biggest factor in affecting your insurance premium.   NEW POOL The cool stuff will cost you more. The insurer may require a fence around ...